Computer Implemented Method for Accumulating Money

1. A computer implemented method for accumulating money using a web application stored in a server accessible using a client device having a processor and a data storage for bidirectional communication through a network, the computer implemented method using a plurality of computer instructions in the data storage comprising: a. using computer instructions to present a user interface to the client device; b. using: (i) computer instructions to enable a user to login to the web application using: a preexisting social media identifier and a preexisting social media password or a preexisting third party site identifier and a preexisting third party password, and using a link to a social media service associated with the preexisting social media identifier and the preexisting social media password or a link to a third party service associated with the preexisting third party site identifier and the preexisting third party password; (ii) computer instructions to link to the social media service or the third party service and import a user profile therefrom into the web application; (iii) computer instructions to create a login with a new user identifier and a new password; (iv) computer instructions to download a client device application from a phone application source or the web application, wherein the client device application communicates with the web application via the network and enables creation of the user profile independent of the social media service or the third party service; (v) computer instructions to create a login with the new user identifier and the new password using the client device application that is preloaded onto the client device, enabling for creation of the user profile independent of the social media service or the third party service; or (vi) combinations thereof; c. using computer instructions to create an account for accumulating money and link the account for accumulating money to the user profile, wherein the user profile is stored in the client device application, the server, a cloud storage, or combinations thereof; d. using computer instructions to receive and store financial information from the user in the user profile for linking a financial account associated with the financial information to the account for accumulating money; e. using computer instructions to transfer money in incremental amounts from the financial account into the account for accumulating money as a non-spending decision occurs or as a savings decision occurs; f. using computer instructions to enable the user to insert two goals into the user profile: (i) a monetary goal to be accumulated by a certain date, wherein the monetary goal is a monetary money amount to be accumulated into the account for accumulating money; (ii) a non-monetary goal to be completed by a certain date, wherein, upon completion of the non-monetary goal, the user is allowed to deposit a monetary money amount associated with the non-monetary goal into the account for accumulating money, a third party is only allowed to deposit the monetary money amount associated with the non-monetary goal into the account for accumulating money on behalf of the user when the non-monetary goal is achieved, or combinations thereof and accepting deposits from the third party only when the non-monetary goal is completed; or (iii) combinations thereof simultaneously; g. using computer instructions to compute the monetary money amount to be accumulated in the account for accumulating money per unit of time in order to reach the goal, and periodically recalculate the monetary money amount to be accumulated per unit of time, and present a recalculated monetary money amount to be accumulated per unit of time in order to reach the goal on the client device; and h. using computer instructions to enable the user to electronically make or receive money deposits into the account for accumulating money, wherein the money deposits comprise: (i) money from a gift card; (ii) money from the third party or another third party for achieving the goal; (iii) money from the third party or another third party as an incentive or a rebate to the user upon purchasing of an item, service, or combinations thereof only if the user has met the monetary goal; (iv) money from a friend, a family member, another party related to the user; or (v) combinations thereof; i. computer instructions to display multiple goals and progress towards the multiple goals in the user interface, and the progress towards the monetary goal and the non-monetary goal is presented as a digital graphical display, a pie chart, a bar graph, a chart, a table, a graph, a visual display of a non-monetary goal indicator, or combinations thereof; and j. computer instructions to provide an alarm to the client device when, during a predefined time period, the account for accumulating money has not received deposits sufficient to accumulate the monetary money amount to be accumulated by a certain date.

2. The computer implemented method of claim 1 , using as the account for accumulating money a member of a group consisting of: an account at a financial institution, a savings account, a checking account, a debit account, a credit card account, a direct deposit account, another financial account eligible for transferring the deposits into the account for accumulating money, a third party financial account, a gift card account, a bank account, a credit union account, a billing account, a phone bill account, a utilities account, and combinations thereof.

3. The computer implemented method of claim 1 , further comprising: a. using computer instructions to enable the user to select the account from a plurality of accounts for transferring deposits of money into the account for accumulating money; b. using computer instructions to provide a notice to the client device to verify initiation of fund transfers, deposits, or combinations thereof; and c. using computer instructions to display on the client device of at least one of: (i) deposits made within a preset period of time; (ii) a total amount of money accumulated to date; (iii) a record each deposit made into the account for accumulating money; and (iv) a time and date for each deposit made into the account for accumulating money.

4. The computer implemented method of claim 1 , further comprising using computer instructions to present prompts to the user via the client device, using prompts selected from a group consisting of: a. a prompt to not buy a product or service, and to save an amount of money equivalent to the product or service not purchased into the account for accumulating money; b. a prompt to buy a lower priced product or service as a substitute for a higher priced product or service, and to save an amount of money equivalent to the difference between the higher price and the lower price into the account for accumulating money; c. a bill paying prompt to: (i) save an amount of money while paying a bill or save on fees associated with the bill; (ii) pay a bill early and initiate a transfer of an amount of money equivalent to a late fee or a finance charge into the account for accumulating money, the late fee or finance charge is associated with paying the bill late; (iii) pay a bill early to raise the user's credit score; (iv) cease purchasing products or services not being fully utilized; and (v) consider a lower cost alternative associated with a bill; or (vi) combinations thereof; and d. combinations thereof.

5. The computer implemented method of claim 1 , further comprising presenting in the user interface a member of a group consisting of: a. a welcome screen; b. a make a deposit button for actuating computer instructions to enable the user to select a the make a deposit button to initiate deposits into the account for accumulating money; c. a check my balance button for actuating computer instructions to display a current balance in the account for accumulating money along with a progress towards the goal; d. a transfer destination selector for actuating computer instructions to identify a transfer destination for receiving transfers of money from the account for accumulating money; e. a transfer amount selector for actuating computer instructions to enable the user to select the monetary money amount to be transferred from the account for accumulating money to the transfer destination; f. a transfer now button for actuating computer instructions to transfer all or portions of the money in the account for accumulating money; and g. combinations thereof.

6. The computer implemented method of claim 5 , using as the transfer destination an account with a financial service company, a bank account, a brokerage firm account, a mutual fund, an individual retirement account, a checking account, a savings account, an account with a precious metal broker, an account with a municipal bond broker, an account secured by treasury certificates, an account with a cruise line, an account with theme park, an account with a personal financial advisor, an account with a travel agency, an investment account, or combinations thereof.

7. The computer implemented method of claim 1 , further comprising using computer instructions to store and present an agreements screen from a library of agreements to the user in the client device, using agreements comprising: a. a signup agreement for the user to obtain a license to use the web application; b. an account linking agreement that links a financial institution, a third party, or combinations thereof to the account for accumulating money to enable the web application; c. an agreement regarding transfers of money that is an employer-employee agreement and enables a direct deposit service to deposit money into the account for accumulating money; and d. a social media agreement that links the social media service to the web application and the account for accumulating money.

8. The computer implemented method of claim 1 , further comprising using computer instructions to provide celebration indicators to the client device when the user achieves the goal, wherein the celebration indicators comprise: an animated graphical display, words of praise, words of support, an audio indicator, a visual indicator, a textual indicator, or combinations thereof.

9. The computer implemented method of claim 8 , further comprising using computer instructions to provide cost effective celebration suggestions to the client device, the cost effective celebration suggestions comprise: a coupon for a product or service, an instruction on how to receive a promotional item, or combinations thereof.

10. The computer implemented method of claim 1 , further comprising using computer instructions to periodically provide a tip to the client device on how to save money.

11. The computer implemented method of claim 1 , further comprising using computer instructions to enable the user to link to the social media service through the network to share in celebrations, tips, or combinations thereof.

12. The computer implemented method of claim 1 , is operable when the client device application is connected to the network and while disconnected from the network.

13. The computer implemented method of claim 1 , further comprising using computer instructions to create a vector based score from deposit information in the user profile, goal information in the user profile, and progress information in the user profile, wherein the vector based score ranks the user relative to other users.

14. The computer implemented method of claim 1 , further comprising using computer instructions to enable the user to request a comparison of the user's progress towards the goal to other users' progress towards goals, and present the comparison to the client device.

15. The computer implemented method of claim 1 , further comprising using computer instructions to enable an employer of the user to match deposits made by the user into the account for accumulating money.

16. The computer implemented method of claim 1 , further comprising using computer instructions to compute if the user meets a preset limit for receiving an award using the user's progress towards the goal and a rate of progress towards the goal, wherein the award is an electronic gold star, an electronic badge, or a user score.

17. The computer implemented method of claim 1 , has as a goal attendance at an event, attendance at a theme park, attendance on a cruise ship, taking a vacation, or combinations thereof.

18. The computer implemented method of claim 1 , further comprising using computer instructions to enable third parties to provide offers to the user, using offers comprising: discounts, benefits, or combinations thereof for spending monetary money amounts to be accumulated.

19. The computer implemented method of claim 1 , the user is selected from the group comprising: an individual, a group of individuals, a family, a business organization, or a non-profit organization.

20. The computer implemented method of claim 1 , further comprising using computer instructions to allow linking of the account for accumulating money to a debit card account, a credit card account, or combinations thereof, wherein information associated with purchases of products or services made using the debit card account, the credit card account, or combinations thereof is transmitted to the user profile for tracking the user's purchases of products or services.

21. The computer implemented method of claim 20 , further comprising: a. receiving and storing the information associated with purchases of products or services from the debit card account, the credit card account, or combinations thereof; b. using the information associated with purchases of products or services to form a purchasing pattern, saving the purchasing pattern in the user profile, and presenting the purchasing pattern to the client device; and c. comparing current purchases of products or services made using the debit card account, the credit card account, or combinations thereof to previous purchases of products or services in the purchasing pattern using a predefined window of time, and performing at least one of: (i) computing an amount of money saved by the user by not purchasing a product or service that the user previously purchased, and presenting the amount of money saved to the client device; and (ii) computing an amount of money saved by the user by purchasing a lower priced product or service than a related product or service within the purchasing pattern, and presenting the amount of money saved to the client device.

22. The computer implemented method of claim 20 , further comprising using computer instructions to automatically deposit a preset amount of money into the account for accumulating money each time the debit card account, the credit card, or combinations thereof is used for purchases, refunds, or combinations thereof.

23. The computer implemented method of claim 1 , using the user profile that comprises: a. a name of the user; b. a social security number of the user; c. a tax identification number of the user; d. an address of the user; e. a phone number of the user; f. an email address associated with the user; g. a security question to the user; or h. combinations thereof.